Springmom's so wordy, she sometimes posts twice!!
LOL!
I carry my XD9 loaded and ready. "Condition 1" if you can call it that for a DAO semi. It always sits in the Desantis holster I carry with. If it's not on my belt, then it is up high away from my 3 year old son, like on top of the fridge in the kitchen if we are all downstairs. It's NEVER out of site if it's not on my person. The only time I lock it in my safe is when my wife and I are at work. I can't carry at the FD and my wife currently works in MA and can't carry there.